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HOT REGARDS .
Hope this comment find you well all.
I have one question if do't mind .
"gradually increase the a mount of money that you have"
"gradually increase the a mount of money you have"
i have a bit of confusion when i use this word "that" i always use it .
but i don't know its rule .
could you explain to me .

Your sentence contains an example of a relative clause and the word 'that' is the relative pronoun which introduces it. Sometimes the relative pronoun can be omitted so your question is really 'When can we omit the relative pronoun in a relative clause?'

The answer to this is as follows:

We can leave out the relative pronoun when the relative clause is a defining relative clause and the relative pronoun is the object of the verb in the clause and not the subject.

We have a number of pages on this topic which will provide more information and examples:

Please look at the following dialogues which ones are taken from Big City Small World is a soap opera.

Johnny: Actually, I’m not really here to eat, or anything. I’m supposed to be meeting someone.
Sarah: Oh...well...I’m just supposed to be meeting someone here actually...
Olivia: Not him, by any chance?

I have found the meaning of “supposed to” in the Cambridge dictionary but I am not clear of that. Could you describe the used of that word?